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Free Property Tool · Updated for 2026 Cooling Measures

How much house can you actually afford in Singapore?

Estimate your maximum home loan and property price based on MAS's TDSR (55%) and MSR (30%) frameworks and current LTV limits — before you start viewing properties.

TDSR 55% MSR 30% (HDB/EC) 4% Stress-Test Rate LTV up to 75%

Your numbers

MSR (30%) applies only to HDB flats and new-launch ECs, on top of TDSR.

Affects your LTV limit (max % of the price a bank will lend).

Indicative estimate only, using a 4% p.a. stress-test rate as required by MAS. Actual eligibility depends on your credit report, other commitments and the bank's assessment. This is not a loan offer or financial advice.

Understand the Rules

What decides how much you can borrow

Singapore's cooling measures set hard caps on borrowing — here's what actually determines your number.

TDSR — Total Debt Servicing Ratio

All your monthly debt repayments, including the new home loan, cannot exceed 55% of your gross monthly income. This applies to every bank housing loan in Singapore, regardless of property type.

MSR — Mortgage Servicing Ratio

For HDB flats and new-launch ECs only, the home loan instalment alone is capped at 30% of gross monthly income — a tighter limit than TDSR, applied in addition to it.

LTV — Loan-to-Value limit

Banks lend up to 75% of the price/valuation for a first home loan, 45% for a second, and 35% for a third or subsequent — with lower caps if your loan tenure runs past age 65.

Stress-test interest rate

MAS requires banks to test your affordability at a medium-term rate floor of 4% p.a. for residential loans — even if the bank's actual rate offered to you is lower.

Plan Further

More free tools to plan your purchase

Mortgage Calculator

Work out your actual monthly instalment at your chosen rate and tenure.

BSD Calculator

Estimate Buyer's Stamp Duty payable on your purchase.

ABSD Calculator

Check Additional Buyer's Stamp Duty for your profile.

Timeline Planner

See the step-by-step timeline for your purchase, start to finish.

FAQ

Affordability calculator questions

Total Debt Servicing Ratio. MAS caps all your monthly debt repayments — including the new home loan — at 55% of your gross monthly income. It applies to every housing loan granted by a bank in Singapore.
Mortgage Servicing Ratio caps the home loan instalment alone at 30% of gross monthly income. It applies only to HDB flats and Executive Condominiums bought directly from a developer, on top of the 55% TDSR limit.
Banks are required by MAS to stress-test your affordability at a medium-term rate floor, currently 4% p.a. for residential loans, even if your actual mortgage rate is lower. This calculator uses the same 4% floor by default.
This is an indicative estimate only. Your actual loan eligibility depends on your credit bureau report, the bank's internal credit assessment, other financial commitments, and your In-Principle Approval (IPA). Speak with Mindy or a mortgage broker for an exact figure.

Ready to see what's actually available in your range?

Mindy will match your numbers against real listings — HDB, condo or landed — and walk you through next steps.

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